12455 Muddy Creek Ln Fort Myers, FL 33913
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About this home
Beautifully Updated Lakefront Home in Gated Stoneybrook at Gateway! Welcome to this stunning 4-bedroom, 2-bath home offering 2,415 sq. ft. of stylish living space, perfectly situated on a peaceful cul-de-sac with tranquil lake views. Located in the highly sought-after community of Stoneybrook at Gateway, this home blends modern updates, spacious living, and resort-style amenities—all in one incredible package. Step inside to discover luxury vinyl plank flooring, fresh interior paint, and brand-new carpet in all bedrooms. The cozy gas fireplace adds a touch of warmth and charm, while the formal living room and spacious family room provide flexible spaces for relaxing or entertaining. The chef-inspired kitchen features granite countertops, stainless steel appliances, 42” wood cabinetry, and an oversized breakfast bar perfect for casual meals or hosting friends and family. Retreat to your private primary suite, complete with a bay window overlooking the lake, a massive walk-in closet, and a spa-like en-suite bath. The fourth bedroom offers the ideal setup for guests, a home office, or hobby space—tailored to your needs. Enjoy Florida living at its finest on the oversized screened lanai, surrounded by lush landscaping and spectacular sunset views over the water. ? Bonus Feature: Assumable VA loan at 5.75% with two years already paid—an incredible savings opportunity for qualified buyers! Residents of Stoneybrook enjoy an unmatched lifestyle with amenities including a heated pool & spa, fitness center, pickleball, tennis, basketball, and volleyball courts, playground, game room, and library—plus high-speed internet and Xfinity TV included in the HOA fees. Furnishings are available or can be removed before closing—your choice! This move-in ready home checks every box. Don’t miss your chance to make it yours—schedule your private showing today!
Source: FORTMYERS #225058712
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.